There are a number of situations where it would be highly advisable or even essential, to notify your caravan insurance provider that “something has changed”.
Some classic examples will be discussed below.
You have made substantial changes to the caravan
Many owners like to customise or enhance their vehicles. That’s sometimes a good idea but it’s imperative to discuss such changes with your tourer insurance provider.
In this category, we’re discussing changes that are material and which might affect:
- the vehicle’s value – in the sense that you have perhaps installed new equipment which has increased the caravan’s overall valuation and you wish to make sure that the new value is covered;
- structural changes. This is particularly important in situations where the changes might be such that they move the vehicle away from the manufacturer’s original specification or increase the insurance provider’s perception of the risks involved in covering it.
In this context, only significant changes are likely to need to be taken into account. Changing the curtains in your caravan wouldn’t count!
On balance, it’s always best to consult your insurance provider if you are in any doubt as to whether changes you’re making to your caravan are likely to be seen as “significant” in insurance terms.
You are changing the way you use your caravan
This might include situations where, as a simple example, your policy does not provide automatic continental holiday driving cover and yet you are planning to go abroad in your caravan. Clearly, in such situations, you would need additional cover.
It might also apply in circumstances where you were close to or had already exceeded the maximum number of permissible days outside of the UK as specified in your policy.
It is also imperative that you discuss with your insurance provider in advance, any situation where you are planning to let someone use your caravan for the purposes of generating rental income.
Where you store your caravan
When you took out your initial policy, you may have declared to your insurance provider just where you store the caravan when it is not in use. Should that change, for whatever reason, you must notify your insurer.
An example might be where you had originally stored your caravan in your garage but have now decided to move it to your driveway as its normal place of parking, due to the fact you wish to use your garage for other purposes.
In situations where you need to make a claim
This may appear to be stating the obvious but it’s worth looking at your policy because some may require you to notify the insurance provider within a maximum period of time after an event took place which is leading to you making a claim. If you fail to do so and lodge your claim “late”, it may put its successful outcome at risk.
Where you are changing anything relating to your standard data
This is typically routine and includes things such as a change of address etc.
Owning or towing driver circumstances
This may or may not be an issue but it will be worth checking with your insurer if, for example, you or another insured driver were diagnosed with a medical condition which might affect your driving, parking or use of your caravan.
These types of policy conditions are not onerous and are largely a matter of common sense.
It is important to take them seriously because failing to disclose material changes and then subsequently making a claim downstream might pull that claim at risk of rejection.
If you are about to get stuck into some touring caravan insurance reviews, some of the following tips from Cover4Caravans might prove to be useful.
Look carefully at the excess
For a policy to carry “excess” is perfectly normal. It is the sum of money that the policy provider will expect you to contribute towards the cost of any future claims.
However, the level of that mandatory excess can vary considerably. A policy that looks to bring with it an almost unbeatable ticket price might carry a commensurately high excess.
In the event you need to make a claim against your policy, suddenly it might not appear to be quite so cheap after all.
Consider your own situation versus the policy’s stipulation on ages
Policies may contain numbers of different clauses relating to the minimum or indeed maximum ages of owners or towing drivers.
There’s nothing wrong with that, providing that your own family situation won’t be adversely affected by it.
Overseas travel inclusion
When undertaking touring caravan insurance reviews, you may see that some policies might not automatically include cover for use outside of the UK In practice though, many will – but there might be considerable differences in terms of:
- how many days cover is included per annum;
- whether or not the maximum duration of an individual trip outside the UK is restricted too.
It’s worth checking because again, a lower-cost policy might not seem to be quite such a good deal if you need to start paying for lots of additional cover every time you leave the country.
New for old cover
In qualifying conditions, some policies might offer you a new-for-old caravan replacement if your caravan is up to five years old and with multiple previous owners.
By contrast, other policies may be far more restrictive and only offer cover up to five years if you have been the sole owner from new.
Note also that some policies might cut off new-for-old replacement at two or three years.
Another potential area where cover can differ is that associated with protecting external items when they are in use. Examples of things to think about might be awnings, external furniture, satellite dishes and so on.
Campsite and pitch requirements
Almost all touring caravan insurance will contain some conditions relating to what is or is not permissible once you unhitch your caravan and start to use it on site.
However, some policies may contain more demanding provisions in this respect including specifying the minimum security features a site must have before their cover will be considered to be in force.
It is important to be clear that you understand any such stipulations and much more importantly, that you will be able to comply with them when you are out and about using your touring caravan.
Out of season parking
You might find that some providers will be keen to offer incentives, usually in the form of premium discounts, for you to park your caravan up securely and safely when not in use – typically during the winter season.
Some though may have very specific requirements as to where you can park your caravan when not in use at any time. They might include a blanket ban on on-street parking or parking on your own driveway etc.
A top tip – do not be rushed during your touring caravan insurance reviews. Be certain that you are getting a good match between your expectations and what the policy actually states.
This review is based on our visit in July 2018 when we stayed for five nights but includes references to and photos from our two night stay in June 2014 as well. The site has twenty-five pitches, ten of which are allocated to seasonal users and is adults only and is under the Tranquil Parks umbrella
Getting there – less than two miles from the M4 makes this site easily accessible. Leave at junction 48 on to the A4138 heading towards Llanelli and at the first roundabout follow the brown tourist signs. Be sure not to miss the entrance to the site though as the road narrows considerably soon after! Take a look at our Site Arrival video below.
The entrance road is narrow and this is one of the reasons new arrivals are normally asked to arrive after 2pm, with departures being by midday. However they will gladly send you a text when your allocated pitch becomes free and you can then turn up when you wish.
On arrival you will be greeted by Hywel or Cathrin – brother & sister co-owners. They will show you where everything is, provide a comprehensive information park, including Welsh tea & coffee, then direct you to your pitch. Youíll often see one or other of them around the site during the day and nothing is too much trouble, whether it be advice on things to do or recommendations for places to eat.
The site is tiered and the first rows – to your right as you arrive – are the seasonal pitches. On the next level there are five hard standing pitches with 10a electricity supply and are open all year around. The top tier are fully serviced, have a picnic bench and a more commanding view. There are two rows but the rear ones are staggered so they donít miss out. The views are one of the features of this site and are very, very impressive.
You will have passed the large dog exercise area to your left as you arrive then just beyond and also to the left is the facilities block with the Gents toilets nearest, to the side of which are the chemical toilet and waste water emptying points. Around the corner in another room there is a sink for washing up and then next you’ll find two spacious showers each with a sizeable changing area. The washer and dryer is here too as is a hairdryer. To the right is the Ladies toilets whilst in the house further on is Reception. A feature here in both toilets is no paper towels or hot air dryers but individual soft cotton towels. A nice touch. Please also take a look at our Site Tour video below.
Ahead you will also see the well stocked information room ahead of you and Hywel & Cathrin are happy to advise on local attractions and things to do.
Fruit, veg and milk can be delivered to site but the Co-Op in Llangennech is only around a mile away with some of the major supermarkets a bit further along the A4138 towards Llanelli along side a big retail park. The site recommend two pubs but we’ve only tried one – The Bridge – and that was very good. Again, around a mile from the site.
So, with such stunning views it would be easy to sit all day relaxing with a good book and if thatís what you fancy then why not? But if you want to get out and about there is plenty to do. We barely scratched the surface in our two visits here but can hopefully give you some ideas.
Cities may or may not be your thing but the redeveloped Maritime Quarter in Swansea, home to the Waterfront Museum is worth a look. To enhance our enjoyment we downloaded a Treasure Trail from www.treasuretrails.co.uk. It takes you on a walk of around two miles giving clear directions and clues which you need to solve. Good fun and we learnt a bit too.
A drive (or bike if that’s your thing) around the Gower peninsula is a must do in my opinion. Park up around Oystermouth and take a walk along the promenade to enjoy the views of Swansea Bay.
Continue around but be sure to call in at Rhossili for some jaw dropping views. If the tide is out you can walk out to Worms Head too. The area is under the stewardship of the National Trust so have your membership cards ready or some change for the car park.
The Millenium Coast Path visitor centre is good starting point for said path and just fifteen minutes drive from the site. The cafe on the first floor gives great views over the bay and along the path – open to both cyclists and pedestrians there are are wheelchair accessible raised platforms and partially enclosed seating areas so you can still enjoy the view when the weather is not so good.
Further around you will find Burry Port and it’s harbour. Now given over to leisurecraft, coal used to be shipped from here whilst in came things like copper and products essential for the operation of the mines in the area at the time.
Further around still is Kidwelly – and whilst the town itself is a pleasant enough place, the star of the show here is undoubtedly the castle . Just four pounds for adults (July 2018) and it’s a great place to explore and a good way of admiring the surrounding countryside. It can be uneven though in places so If you going to climb the narrow stairways, wear something grippy on your feet.
A few miles around past Carmarthen and on the western edge of the county is Laugharne which shamelessly plays on it’s Thomas Dylan connections. Dylan’s Boat Yard and Writing shed are here but even if you have no interest in Mr D it’s cracking place to visit. Whilst there are plenty of dining options you could bring a picnic and chairs and just drink in the views over the mouth of the river Taf. One of the most idyllic places we’ve visited on our travels. There’s castle here too as well and it’s location promises terrific views too.
Site Arrival Video
Site Tour Video
It has already proved to be something of a scorcher. And the best part of July and August are also forecast to be dry and sunny – with the Express newspaper on the 8th of May predicting four whole months of blazing sunshine.
With Britain’s notoriously unpredictable weather, however, who knows how it is actually going to turn out.
With your ‘van safely hitched to the back of your car – and your caravan insurance fully up to date, of course – you may still enjoy many a holiday come fair weather or foul.
Here are just a few of our suggestions.
- The Southwest
When the sun is out, of course, the natural place to head towards is the beach – where glistening sands and shimmering seas hold out the prospect of cooling breezes.
With a coastline stretching for a combined total of 1,184 miles (or 1,905km), the southwestern peninsula of Devon and Cornwall has beaches galore.
Voted by the Telegraph newspaper as one of the best caravan sites for beach lovers, Treen Farm Campsite, near Penzance is close to Lands End, with your pick of beautiful beaches and views stretching from the Lizard Peninsula all the way to the Scilly Isles.
In Devon, the Camping and Caravanning Club’s Slapton Sands campsite is situated on the impressive South Devon Heritage Coast and makes the perfect base for a family holiday by the beach – although there is a total of 105 pitches, only 8 are reserved for touring caravans, so be sure to book early.
For many caravanning families, of course, sun, sea and sand might not be all they’re cracked up to be, and cooler climes in more majestic settings may be the order of the day.
If that sounds like your family, then you might want to visit Loch Ness Shores in Scotland – it won Scottish Caravan Park of the Year in 2017, offers a total of 99 pitches and is one of the few places along the shores of the famous loch where you can launch small boats.
- The Lake District
Also likely to stay cooler than any pitch near the beach, the Lake District remains an all the year-round favourite with caravanners – and for good reason too.
The lakes themselves provide a perfect setting in which to pitch your tourer and, after a drop or two of rain, the rugged majesty of the peaks and fells are softened to a glorious green.
Park Cliffe Touring Park is a stone’s throw from the largest of the lakes, Windermere, and the section for touring caravans is on a slight hill to maximise the lakeside views from hardstanding pitches which come with 10-amp electric hook-ups.
- The New Forest
Of course, you might want to play it completely safe and get the best of both worlds – the beach and the sea if the weather forecasts prove accurate, but somewhere more sheltered when unpredictability brings in the rain.
That makes the New Forest an ideal location – offering sheltered woodland walks if it turns to rain, but the nearby south coast beaches of Boscombe, Highcliffe and Hordle when the sun and sea beckon.
New Forest Caravan Club Centenary Site is set just a mile or two from the village of Bransgore, with forest walks in one direction and beaches in the other – the large site offers a total of 275 pitches for touring caravans, 125 of them on hard standing.
If you are looking for tourer insurance for your caravan, it seems reasonable to ask just what it might cover.
You might be surprised, however, how many owners who are new to the joys of caravanning – as well as a few seasoned old hands – are more than a little hazy about quite what risks tourer insurance does and does not cover.
Insurance products change, along with the type of caravan you are using over the years, the nature of the outings you make in it, and the risks that need the protection of appropriate insurance.
Reassurance from your specialist broker
The costs of getting inappropriate or inadequate cover may be steep indeed. So, you might be reassured by the expertise and experience offered by an independent broker such as ourselves here at Cover4Caravans.
Citizens’ Advice recommends the use of a broker if you are looking for advice about insurance or want a specialist policy – such as tourer insurance.
As independent brokers, we put your interests first and foremost by offering a choice of tourer insurance – you can get a quote and buy tourer insurance online, or if you prefer, give us a call.
Just some of the principal risks we aim to cover
- at the heart of the cover, of course, is the caravan itself;
- the motor insurance you are legally required to have for the towing vehicle typically extends to third party risks, but you are likely to want comprehensive cover against all manner of accidental damage and theft;
- this extends to those times when your caravan is still hitched to the towing vehicle and when it is unhitched – but your insurer is likely to insist that you use a hitch-lock if the caravan is unattended and still connected to the towing vehicle and wheel-clamps when it is unhitched;
- your tourer insurance cover takes into account the make, model, age and value of the caravan – and some policies may offer replacement as new settlements in the event of a total loss of a ‘van that is less than two years old. At Cover4Caravans, we provide new for old cover for both statics and tourers up to 5 years old, regardless of the number of owners;
Public liability insurance
- easily overlooked is the risk of a member of the public suffering an injury or having their property damaged through some connection with your caravan and holding you liable for their losses;
- tourer insurance may therefore also include public liability insurance to grant indemnity against such claims;
Excesses and no claims bonuses
- just as with many other forms of insurance, your tourer insurance is likely to incorporate an excess which you need to pay in the event of a claim – but by agreeing to an increase in the amount of that excess, you may earn a reduction in the cost of your premiums;
- if you remain claims free from one year to the next, you also qualify for valuable no claims discounts.
To make sure that your tourer insurance provides appropriate safeguards against those risks which it needs to cover, it must be tailored to meet your particular needs, requirements and circumstances. So, should you require any further help or advice, please don’t hesitate to give us a call on 0800 9707 172.